For either the UBAY2GO application or web site, you will need a supported device with either a data plan or internet access. Mobile service provider usage charges may apply. See service provider's terms and conditions.

UBAY2GO web site – Supported Devices
The Mobile Banking website (WAP) is generally supported on devices with a mobile browser that supports encryption and cookies.

By default, the UBAY2GO system will allow you to register up to 10 devices. If you need to register more than 10 devices, please contact the credit union and we can expand the number of allowed devices for your account.

Do I need to save my one-time PIN?

No, once you have successfully registered your mobile device, the PIN is no longer valid and can be deleted.

Is UBAY2GO secure?

Yes. Both the UBAY2GO application and web site use 128-bit SSL encryption to protect your information. In addition, by issuing the one-time PIN, the system has mutli-factor authentication. Your account will automatically log off after 5 minutes of inactivity. We do not recommend logging in to UBAY2GO or UBAY@Home over any publicly accessible or unsecured Wi-Fi connections.

Are there any security features I need to set on my mobile device?

We have already built security features in to UBAY2GO; there are no other security settings on your device that you will need to enable. We do recommend, however, that you consider the following to secure your mobile device and information:

- Password-protect your mobile device
- Treat your device as you would a credit card. If it is lost or stolen, without proper security, your personal information may be at risk. If your phone becomes lost or stolen, report it to your wireless carrier, as they may be able to assist.
- Do not send confidential, personal, or account information in email or text messages.
- Delete any messages that contain any account, personal, or confidential information
- Only download content from trusted sources

Unless your username and password have been compromised, your account and account information is still secure. If you feel your login credentials have been compromised, you can reset your username and password through UBAY@Home, at any time. Contact the Credit Union if you would like to de-authenticate your device or to disable all Mobile Banking access for your account.

Why does the Mobile Banking Website force me through the one-time PIN process every login?

This will occur if you have set your browser to automatically clear/delete your cookies and cache upon exit. Unless you change this setting, you will be forced to re-register your device for the Mobile Banking website each time.

How to I transfer UBAY2GO if I get a new mobile device?

All UBAY2GO data is stored on the CU's secured servers, so there is not information that has to be transferred. For any new devices, you can download the UBAY2GO App or access the mobile site and register that device. If you are no longer using the old device, we recommend that you delete the UBAY2GO app and clear the browser cookies. You can also contact the CU to have the old device de-authenticated.

How much does it cost to use UBAY2GO Mobile Banking?

UBAY2GO is a free service. However, depending upon the service plan with your wireless provider, you may incur charges from them for use of the internet. You will need to consult with your wireless carrier and/or plan documents regarding these charges.

Why was I directed to m.ubccu.org?

The UBCCU web site is set up to redirect mobile devices to our mobile web site. If you prefer to access the full UBCCU web site, you can do so by clicking the "Full Site" link at the bottom of the mobile web site.

Why does the UBAY2GO App need access to other features on my device?

In order to have UBAY2GO work correctly, as well as not interfere with the normal operations of your phone, certain features need to be accessed, such as:
- Internet - needed for the app to communicate over the internet with the CU's systems
- Phone - needed so that any incoming calls can ring through while you are using the app
- Storage - needed so that the app can be loaded in to the storage on the device
- GPS - used to identify your location when using the ATM and Branch locator services

I haven't received the email with the one time PIN. What should I do?

One time PIN emails are generated when you register. Normally, you should receive that email within 10 minutes of registering your device. However, it may take longer for any number of reasons (e.g. internet traffic, ISP issues, software/device setting, wireless carrier traffic).

Additionally, you will want to verify that your email address is correct with the CU. You should also check your spam/junk mail folder and settings. One time PIN emails come from info@ubccu.org

I'm trying to log in to UBAY2GO but it's not working correctly. What should I do?

There could be numerous reasons that could cause you to experience issues with UBAY2GO. Below are some steps to try, when you are experiencing issues.
- Verify that your username and password are correct, by logging in to UBAY@Home
- Confirm that your device has service from your wireless carrier, or is connect to Wi-Fi.
- Reboot the device.
- If you are using the UBAY2GO app, you can uninstall and reinstall the app.
- If you are using the UBAY2GO app on an Android device, you can try clearing the application's cache.

If these steps don't resolve the issue, you can contact the CU at (989) 892-4597 or through our secured contact page

1. Message and data rates may apply. Message frequency depends on user preferences. Please consult your mobile carrier for details.
2. Use of this service will be subject to United Bay Community Credit Union’s approval
3. Apple, the Apple logo, iPod, and iTunes are trademarks of Apple, Inc., registered in the U.S and other countries. iPhone is a trademark of Apple Inc. iPad is a trademark of Apple Inc. Android is a trademark of Google, Inc. BlackBerry® and related trademarks, names and logos are the property of Research in Motion Limited and are registered and/or used in the U.S and countries around the world

Mission Statement
The mission of United Bay Community Credit Union is to be our members' primary financial
institution, providing them with quality, confidential, professional and personal service, while
maintaining a sound and stable credit union.

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency. www.ncua.gov

We Do Business In Accordance With the Federal Fair Housing Law
and the Equal Credit Opportunity Act.